UPI vs Digital Wallet: What’s the Difference?

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In today's digital age, people don't like to carry cash. Now everything has become online - whether it is shopping, paying bills or transferring money. The two most popular digital payment options in India are UPI (Unified Payments Interface) and Digital Wallet. Many people consider these two to be the same, but in reality their working method, features and benefits are different. In this blog, we will learn in detail what UPI and digital wallet are, how they work, and what are the main differences between them. What is UPI? The full form of UPI is Unified Payments Interface. It was launched by NPCI (National Payments Corporation of India) in 2016. UPI is a system through which you can transfer money directly from your bank account to another person's bank account - that too without entering IFSC code, account number, just by mobile number or UPI ID. Main advantages of UPI: Send or receive money directly from your bank Real-time transactions Available 24x7 ...
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What are the risks of using AI in daily life?

Artificial Intelligence (AI) has become an important part of our lives today. From smartphones to online shopping, health care, banking, social media and even driving – AI is present everywhere. It makes our lives easier, but have you ever thought that there can be some dangers in the use of AI?

In this blog, we will learn in detail in simple Hindi what risks can arise from the use of AI in everyday life and what things we should keep in mind.

1. Privacy threat
When AI tools and apps use our information, sometimes that information can be collected without our permission. For example, smart speakers (Google Assistant, Alexa) listen to our conversations. Similarly, face recognition systems can store our photos and identity.

what's the risk?

  • Your personal information may be leaked

  • Your habits, location and likes and dislikes may be recorded

  • Data can be misused

2. Impact on Jobs
Due to AI, automation is taking place in many sectors, due to which machines are replacing humans. This is increasing the threat to the jobs of people doing manual and repetitive work.

what's the risk?

  • Less educated people may lose their jobs

  • Companies will start giving priority to AI instead of humans

  • Unemployment could rise

3. Danger of spreading misinformation
AI has now become so powerful that it can create fake news, false photos (Deepfake), and fake videos that look absolutely real. This can mislead people.

what's the risk?

  • Fake news can spread quickly on social media

  • can harm someone's image

  • Tension can be created in elections or society

4. Bias and discrimination
AI machines learn from the data given by humans. If that data is biased, then AI also starts discriminating. For example, some AI systems suggest women for low-paying jobs, or give low scores to black people.

what's the risk?

  • Inequality may increase in society

  • AI systems can make wrong decisions

  • Discrimination can occur on the basis of race, sex or colour

5. Danger of over-dependence
If we become dependent on AI for every task, then gradually our ability to think and understand may reduce. For example, children start using AI chatbots for homework, without thinking for themselves.

what's the risk?

  • Your ability to make your own decisions may decrease

  • brain activity may decrease

  • Emotional intelligence can be a weakness

6. Threat of Cybersecurity
AI systems can also be hacked. If AI based banking, health or security systems get hacked, serious damage can occur.

what's the risk?

  • User data may be stolen

  • Banking fraud or scams may increase

  • AI systems can be used for the wrong purposes

7. Deepfake and Identity Theft
A person's identity can be stolen using fake videos or voices created by AI. This can deceive people and increase crime.

what's the risk?

  • Someone's image can be tarnished

  • A crime can be committed with fake audio or video

  • People can be blackmailed

8. Wrong Decisions by AI
AI systems are not 100% perfect. If they are asked to perform tasks related to health, judgment or security and a mistake occurs, there can be loss of life and property.

what's the risk?

  • Wrong results in health reports

  • Wrong medical advice

  • Errors in judgement (such as AI-based scoring in court)

9. Impact on children and youth
Algorithms in AI chatbots, games and social media make children and youth spend more time on screens. This can affect their studies and mental health.

what's the risk?

  • Distractions

  • Loneliness and depression

  • lack of social skills

10. Ethical Issues:
Is the content or decisions made by AI correct? Should a machine have the right to decide on a human's life? These are some serious ethical questions.

what's the risk?

  • Machines will take decisions instead of humans

  • may violate human values

  • There will be a lack of accountability

Conclusion
AI is making our lives easier, but if it is not used wisely, it can pose many dangers. Its impact on privacy, security, jobs, mental health and society cannot be ignored.

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